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All Journal AGRICOLA AGRIMOR Jurnal Ekonomi Pertanian, Sumberdaya dan Lingkungan JRMSI - Jurnal Riset Manajemen Sains Indonesia Al-Muzara'ah Jurnal Akuatiklestari Cakrawala: Jurnal Litbang Kebijakan Journal of Digital Marketing and Halal Industry Monas: Jurnal Inovasi Aparatur Journal of Management - Small and Medium Enterprises (SME's) PETERPAN (Jurnal Peternakan Terapan) Jurnal Risalah Kebijakan Pertanian dan Lingkungan Fish Scientiae : Jurnal Ilmu-Ilmu Perikanan dan Kelautan Jurnal Bisnis dan Kewirausahaan AGRIEKSTENSIA Halal Studies and Society
Prima Gandhi
Manajemen Agribisnis, Sekolah Vokasi Dan Sekretaris Pusat Studi Bencana, IPB University, Bogor, Indonesia 16128
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Social Sciences Veterinary Other

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Feasibility Study of a Proposed Sharia Cooperative in a Village Creative Economy: Evidence from Kampung Batik Cibuluh, Bogor Haryanti, Fuad; Fitri, Resfa; Irfany, Mohammad Iqbal; Haq, Daffa Aqomal; Gandhi, Prima
AL-MUZARA'AH Vol. 14 No. 1 (2026): AL-MUZARA'AH (January 2026)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.14.1.135-159

Abstract

This study examines the feasibility of establishing a Sharia-based Savings, Loan, and Financing Cooperative (KSPPS) to support the development of the creative economy in Kampung Batik Cibuluh, Bogor. Micro-enterprise actors in the area face limited access to sharia-compliant savings and financing services. Data were collected through surveys and in-depth interviews with community members and micro-business operators, which formed the basis for the willingness-to-pay analysis and a comprehensive feasibility assessment to evaluate interest in Islamic financial services. The findings indicate that 78.9% of respondents expressed interest in joining a sharia cooperative. Respondents were willing to contribute IDR 31,998 for principal savings and IDR 15,442 for mandatory savings, with a financing service margin of 29.5%. The financial analysis produced an NPV of IDR 675,985,915, an IRR of 16.2%, and a payback period of seven years, indicating that the KSPPS initiative is financially viable. The non-financial assessment suggests that the initiative can be implemented by considering community acceptance and social factors. Overall, the establishment of a sharia cooperative in Kampung Batik Cibuluh is considered feasible both financially and non-financially, and the study provides insights into the application of sharia-based financial services in a Muslim-friendly tourism village while highlighting their relevance for similar community-based economic contexts.
Co-Authors -, Nindyantoro - . Dahri Aceng Hidayat Anggraini, Sanitianing Annisa Rizky Darmawan, Irham Dewi Marisa Marits Dewi, Sari Putri Eva Anggraini Febrian, Handika Rahmat Fitri, Resfa Haq, Daffa Aqomal Haryanti, Fuad Hidayat, Muhammad Muharram I S Purwana Irham Darmawan Jannah, Dita Miftakhul Kharisma Fitri Hapsari Kuntoro Boga Andri Mohammad Iqbal Irfany Muhammad Kahfi Nindyantoro, Nindyantoro Nurkaidah, Dinda Nurmala Fitri Oktariza, Wawan Purbawan, Ketut Wira Rachmat Rachmat Salsabilah, Muhammad Fazra Sani, Zahran Syauqi SARAH PERMATASARI, SARAH Yulianti, Alma Shopia Yulianti, Alma Sophia Zukhruf Annisa